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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,387 | $76,834-80.0% | $108,359-85.8% | $87,485-82.4% |
| Participation rate | 69.8% | 61.7%+8.0pp | 70.1%-0.4pp | 68.9%+0.8pp |
| Annual return | 18.13% | 19.09%-1.0pp | 36.89%-18.8pp | 26.06%-7.9pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $930 | $3,100-70.0% | $4,137-77.5% | $4,274-78.2% |
| Admin fee / account holder | $590 | $6,537-91.0% | $9,741-93.9% | $7,775-92.4% |